Bank Of India Credit Risk Fund Overview | ||||||
---|---|---|---|---|---|---|
Category | Credit Risk Fund | |||||
BMSMONEY Rank | 4 | |||||
BMSMONEY Rating | ||||||
Growth Option | As On: | 26-04-2024 | ||||
NAV | ₹11.45 (R) | +0.01% | ₹11.68 (D) | +0.01% | ||
Returns Gro. Opt. | 1Y | 3Y | 5Y | 7Y | 10Y | |
LumpSum Reg. P | 6.61% | 40.11% | -2.74% | -1.05% | -% | |
LumpSum Dir. P | 6.93% | 40.5% | -2.47% | -0.81% | -% | |
SIP Reg. P | 7.45% | 29.0% | 23.04% | 11.67% | -% | |
SIP Dir. P | 7.78% | 29.38% | 23.36% | 11.92% | -% | |
Ratio | Sharpe Ratio | Sortino Ratio | Sterling Ratio | Jensen's Alpha | Treynor Ratio | |
0.43 | 11.91 | 3.92 | 51.34% | -0.13 | ||
Risk | STD. Dev | VaR 1Y95% | Max DD | Beta | Semi Devi. | |
70.71% | 0.0% | -0.29% | -2.32 | 12.01% |
NAV Date: 26-04-2024
Scheme Name | NAV | Rupee Change | Percent Change |
---|---|---|---|
BANK OF INDIA Credit Risk Fund - Regular Plan | 11.45 |
0.0000
|
0.0100%
|
BANK OF INDIA Credit Risk Fund - Direct Plan | 11.68 |
0.0000
|
0.0100%
|
Review Date: March 28, 2024
The fund has historical rank of 11th in Credit Risk Fund category. Additionally, the fund has nine performance parameters that are in the top quartile in the category and three parameters above average and below the top quartile.KPIs* | Fund | Benchmark | Cat. Avg | Min | Max | Rank (In Cat.) | Better Than Cat. Avg | In 1st Quartile | In 4th Quartile |
---|---|---|---|---|---|---|---|---|
1M Return % | 0.56 |
0.40
|
0.20 | 0.58 | 2 | 13 |
Yes
|
Yes
|
No
|
|
3M Return % | 2.41 |
1.76
|
1.53 | 2.41 | 1 | 13 |
Yes
|
Yes
|
No
|
|
6M Return % | 3.83 |
3.76
|
3.39 | 4.54 | 4 | 13 |
Yes
|
Yes
|
No
|
|
1Y Return % | 6.61 |
7.48
|
5.68 | 15.01 | 11 | 13 |
No
|
No
|
Yes
|
|
3Y Return % | 40.11 |
9.52
|
4.58 | 40.11 | 1 | 13 |
Yes
|
Yes
|
No
|
|
5Y Return % | -2.74 |
5.06
|
-2.74 | 7.55 | 13 | 13 |
No
|
No
|
Yes
|
|
7Y Return % | -1.05 |
5.11
|
-1.05 | 7.35 | 13 | 13 |
No
|
No
|
Yes
|
|
1Y SIP Return % | 7.45 |
7.72
|
6.11 | 14.66 | 6 | 13 |
No
|
No
|
No
|
|
3Y SIP Return % | 29.00 |
6.87
|
3.28 | 29.00 | 1 | 13 |
Yes
|
Yes
|
No
|
|
5Y SIP Return % | 23.04 |
6.65
|
3.79 | 23.04 | 1 | 13 |
Yes
|
Yes
|
No
|
|
7Y SIP Return % | 11.67 |
5.93
|
2.06 | 11.67 | 1 | 13 |
Yes
|
Yes
|
No
|
|
Standard Deviation | 70.71 |
12.50
|
1.01 | 70.71 | 7 | 7 |
No
|
No
|
Yes
|
|
Semi Deviation | 12.01 |
2.56
|
0.71 | 12.01 | 7 | 7 |
No
|
No
|
Yes
|
|
Max Drawdown % | -0.29 |
-0.47
|
-0.90 | -0.26 | 3 | 7 |
Yes
|
No
|
No
|
|
VaR 1 Y % | 0.00 |
-0.12
|
-0.63 | 0.00 | 5 | 7 |
Yes
|
No
|
No
|
|
Average Drawdown % | -0.29 |
-0.42
|
-0.90 | -0.26 | 3 | 7 |
Yes
|
No
|
No
|
|
Sharpe Ratio | 0.43 |
-0.45
|
-1.15 | 0.43 | 1 | 7 |
Yes
|
Yes
|
No
|
|
Sterling Ratio | 3.92 |
1.14
|
0.56 | 3.92 | 1 | 7 |
Yes
|
Yes
|
No
|
|
Sortino Ratio | 11.91 |
1.62
|
-0.38 | 11.91 | 1 | 7 |
Yes
|
Yes
|
No
|
|
Jensen Alpha % | 51.34 |
9.39
|
-3.39 | 51.34 | 1 | 7 |
Yes
|
Yes
|
No
|
|
Treynor Ratio | -0.13 |
-0.04
|
-0.13 | -0.01 | 7 | 7 |
No
|
No
|
Yes
|
|
Modigliani Square Measure % | 1.28 |
4.04
|
1.28 | 6.95 | 7 | 7 |
No
|
No
|
Yes
|
|
Alpha % | 46.89 |
7.17
|
-1.99 | 46.89 | 1 | 7 |
Yes
|
Yes
|
No
|
KPIs* | Fund | Benchmark | Cat. Avg | Min | Max | Rank (In Cat.) | Better Than Cat. Avg | In 1st Quartile | In 4th Quartile |
---|---|---|---|---|---|---|---|---|
1M Return % | 0.59 | 0.47 | 0.27 | 0.65 | 2 | 13 |
Yes
|
Yes
|
No
|
|
3M Return % | 2.49 | 1.94 | 1.70 | 2.49 | 1 | 13 |
Yes
|
Yes
|
No
|
|
6M Return % | 3.99 | 4.15 | 3.87 | 5.03 | 8 | 13 |
No
|
No
|
No
|
|
1Y Return % | 6.93 | 8.30 | 6.70 | 15.85 | 12 | 13 |
No
|
No
|
Yes
|
|
3Y Return % | 40.50 | 10.35 | 5.60 | 40.50 | 1 | 13 |
Yes
|
Yes
|
No
|
|
5Y Return % | -2.47 | 5.87 | -2.47 | 8.24 | 13 | 13 |
No
|
No
|
Yes
|
|
7Y Return % | -0.81 | 5.96 | -0.81 | 8.13 | 13 | 13 |
No
|
No
|
Yes
|
|
1Y SIP Return % | 7.78 | 8.54 | 7.14 | 15.52 | 8 | 13 |
No
|
No
|
No
|
|
3Y SIP Return % | 29.38 | 7.68 | 4.25 | 29.38 | 1 | 13 |
Yes
|
Yes
|
No
|
|
5Y SIP Return % | 23.36 | 7.46 | 4.77 | 23.36 | 1 | 13 |
Yes
|
Yes
|
No
|
|
7Y SIP Return % | 11.92 | 6.75 | 2.85 | 11.92 | 1 | 13 |
Yes
|
Yes
|
No
|
|
Standard Deviation | 70.71 | 12.50 | 1.01 | 70.71 | 7 | 7 |
No
|
No
|
Yes
|
|
Semi Deviation | 12.01 | 2.56 | 0.71 | 12.01 | 7 | 7 |
No
|
No
|
Yes
|
|
Max Drawdown % | -0.29 | -0.47 | -0.90 | -0.26 | 3 | 7 |
Yes
|
No
|
No
|
|
VaR 1 Y % | 0.00 | -0.12 | -0.63 | 0.00 | 5 | 7 |
Yes
|
No
|
No
|
|
Average Drawdown % | -0.29 | -0.42 | -0.90 | -0.26 | 3 | 7 |
Yes
|
No
|
No
|
|
Sharpe Ratio | 0.43 | -0.45 | -1.15 | 0.43 | 1 | 7 |
Yes
|
Yes
|
No
|
|
Sterling Ratio | 3.92 | 1.14 | 0.56 | 3.92 | 1 | 7 |
Yes
|
Yes
|
No
|
|
Sortino Ratio | 11.91 | 1.62 | -0.38 | 11.91 | 1 | 7 |
Yes
|
Yes
|
No
|
|
Jensen Alpha % | 51.34 | 9.39 | -3.39 | 51.34 | 1 | 7 |
Yes
|
Yes
|
No
|
|
Treynor Ratio | -0.13 | -0.04 | -0.13 | -0.01 | 7 | 7 |
No
|
No
|
Yes
|
|
Modigliani Square Measure % | 1.28 | 4.04 | 1.28 | 6.95 | 7 | 7 |
No
|
No
|
Yes
|
|
Alpha % | 46.89 | 7.17 | -1.99 | 46.89 | 1 | 7 |
Yes
|
Yes
|
No
|
Investment Period | Regular | Direct | ||
---|---|---|---|---|
Return % | Current Value of ₹ 10000 | Return % | Current Value of ₹ 10000 | |
1D | 0.01 | ₹ 10001.0 | 0.01 | ₹ 10001.0 |
1W | 0.03 | ₹ 10003.0 | 0.03 | ₹ 10003.0 |
1M | 0.56 | ₹ 10056.0 | 0.59 | ₹ 10059.0 |
3M | 2.41 | ₹ 10241.0 | 2.49 | ₹ 10249.0 |
6M | 3.83 | ₹ 10383.0 | 3.99 | ₹ 10399.0 |
1Y | 6.61 | ₹ 10661.0 | 6.93 | ₹ 10693.0 |
3Y | 40.11 | ₹ 27504.0 | 40.5 | ₹ 27734.0 |
5Y | -2.74 | ₹ 8705.0 | -2.47 | ₹ 8826.0 |
7Y | -1.05 | ₹ 9285.0 | -0.81 | ₹ 9446.0 |
10Y | - | ₹ - | - | ₹ - |
15Y | - | ₹ - | - | ₹ - |
Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.
Investment Period | Invested Amount | Regular | Direct | ||
---|---|---|---|---|---|
XIRR % | Current Value of Invested Amount | XIRR % | Current Value of Invested Amount | ||
1Y | ₹ 12000 | 7.4518 | ₹ 12478.776 | 7.7769 | ₹ 12499.44 |
3Y | ₹ 36000 | 29.0043 | ₹ 54613.188 | 29.3849 | ₹ 54892.476 |
5Y | ₹ 60000 | 23.04 | ₹ 106259.28 | 23.3646 | ₹ 107094.06 |
7Y | ₹ 84000 | 11.6665 | ₹ 127297.212 | 11.9229 | ₹ 128468.424 |
10Y | ₹ 120000 | - | ₹ - | - | ₹ - |
15Y | ₹ 180000 | - | ₹ - | - | ₹ - |
Date | NAV Regular Growth | NAV Direct Growth |
---|---|---|
26-04-2024 | 11.4473 | 11.6769 |
25-04-2024 | 11.4462 | 11.6757 |
24-04-2024 | 11.4455 | 11.6749 |
23-04-2024 | 11.4448 | 11.6741 |
22-04-2024 | 11.4438 | 11.6729 |
19-04-2024 | 11.4395 | 11.6682 |
18-04-2024 | 11.4396 | 11.6681 |
16-04-2024 | 11.4362 | 11.6645 |
15-04-2024 | 11.4353 | 11.6635 |
12-04-2024 | 11.4291 | 11.6568 |
08-04-2024 | 11.4225 | 11.6496 |
05-04-2024 | 11.4184 | 11.6451 |
04-04-2024 | 11.4152 | 11.6418 |
03-04-2024 | 11.4165 | 11.6429 |
02-04-2024 | 11.414 | 11.6404 |
28-03-2024 | 11.4017 | 11.6273 |
27-03-2024 | 11.3831 | 11.6082 |
26-03-2024 | 11.3826 | 11.6077 |
22-03-2024 | 11.378 | 11.6026 |
21-03-2024 | 11.3764 | 11.6008 |
20-03-2024 | 11.3744 | 11.5987 |
19-03-2024 | 11.3706 | 11.5947 |
18-03-2024 | 11.3688 | 11.5928 |
15-03-2024 | 11.3641 | 11.5877 |
14-03-2024 | 11.3632 | 11.5867 |
13-03-2024 | 11.3618 | 11.5851 |
12-03-2024 | 11.3602 | 11.5834 |
11-03-2024 | 11.3586 | 11.5817 |
07-03-2024 | 11.3506 | 11.5731 |
06-03-2024 | 11.3484 | 11.5708 |
05-03-2024 | 11.3458 | 11.568 |
04-03-2024 | 11.3445 | 11.5666 |
01-03-2024 | 11.3393 | 11.561 |
29-02-2024 | 11.3378 | 11.5594 |
28-02-2024 | 11.3362 | 11.5577 |
27-02-2024 | 11.3352 | 11.5566 |
26-02-2024 | 11.2146 | 11.4335 |
23-02-2024 | 11.2086 | 11.4271 |
22-02-2024 | 11.2064 | 11.4248 |
21-02-2024 | 11.1998 | 11.418 |
20-02-2024 | 11.1973 | 11.4153 |
16-02-2024 | 11.1906 | 11.4081 |
15-02-2024 | 11.1885 | 11.4058 |
14-02-2024 | 11.1865 | 11.4037 |
13-02-2024 | 11.1855 | 11.4026 |
12-02-2024 | 11.1832 | 11.4001 |
09-02-2024 | 11.1807 | 11.3973 |
08-02-2024 | 11.1789 | 11.3954 |
07-02-2024 | 11.1781 | 11.3945 |
06-02-2024 | 11.1766 | 11.3929 |
05-02-2024 | 11.175 | 11.3912 |
02-02-2024 | 11.1696 | 11.3853 |
01-02-2024 | 11.1829 | 11.3988 |
31-01-2024 | 11.1794 | 11.3952 |
30-01-2024 | 11.1779 | 11.3935 |
29-01-2024 | 11.1776 | 11.3931 |
25-01-2024 | 11.1697 | 11.3847 |
24-01-2024 | 11.1689 | 11.3838 |
23-01-2024 | 11.1687 | 11.3835 |
19-01-2024 | 11.1634 | 11.3777 |
18-01-2024 | 11.1621 | 11.3762 |
17-01-2024 | 11.1611 | 11.3751 |
16-01-2024 | 11.1596 | 11.3735 |
15-01-2024 | 11.1585 | 11.3723 |
12-01-2024 | 11.1518 | 11.3653 |
11-01-2024 | 11.1494 | 11.3627 |
10-01-2024 | 11.1487 | 11.3618 |
09-01-2024 | 11.1469 | 11.36 |
08-01-2024 | 11.1447 | 11.3576 |
05-01-2024 | 11.1397 | 11.3522 |
04-01-2024 | 11.1381 | 11.3505 |
03-01-2024 | 11.1375 | 11.3498 |
02-01-2024 | 11.1364 | 11.3486 |
01-01-2024 | 11.134 | 11.346 |
29-12-2023 | 11.128 | 11.3397 |
28-12-2023 | 11.1241 | 11.3356 |
27-12-2023 | 11.123 | 11.3344 |
26-12-2023 | 11.1219 | 11.3332 |
22-12-2023 | 11.1151 | 11.3259 |
21-12-2023 | 11.1138 | 11.3245 |
20-12-2023 | 11.1129 | 11.3235 |
19-12-2023 | 11.1073 | 11.3177 |
18-12-2023 | 11.1055 | 11.3158 |
15-12-2023 | 11.101 | 11.3109 |
14-12-2023 | 11.0979 | 11.3076 |
13-12-2023 | 11.0955 | 11.3052 |
12-12-2023 | 11.0937 | 11.3032 |
11-12-2023 | 11.0931 | 11.3025 |
08-12-2023 | 11.0891 | 11.2982 |
07-12-2023 | 11.0877 | 11.2967 |
06-12-2023 | 11.0854 | 11.2942 |
05-12-2023 | 11.0845 | 11.2933 |
04-12-2023 | 11.0833 | 11.2919 |
01-12-2023 | 11.0781 | 11.2864 |
30-11-2023 | 11.0771 | 11.2852 |
29-11-2023 | 11.0768 | 11.2848 |
28-11-2023 | 11.0747 | 11.2826 |
24-11-2023 | 11.0669 | 11.2743 |
23-11-2023 | 11.0672 | 11.2745 |
22-11-2023 | 11.0664 | 11.2736 |
21-11-2023 | 11.0642 | 11.2713 |
20-11-2023 | 11.0652 | 11.2722 |
17-11-2023 | 11.0613 | 11.268 |
16-11-2023 | 11.0601 | 11.2666 |
15-11-2023 | 11.0579 | 11.2643 |
13-11-2023 | 11.0543 | 11.2605 |
10-11-2023 | 11.0503 | 11.2561 |
09-11-2023 | 11.0488 | 11.2545 |
08-11-2023 | 11.048 | 11.2537 |
07-11-2023 | 11.0455 | 11.251 |
06-11-2023 | 11.0432 | 11.2486 |
03-11-2023 | 11.0381 | 11.243 |
02-11-2023 | 11.0354 | 11.2402 |
01-11-2023 | 11.0332 | 11.2379 |
31-10-2023 | 11.0326 | 11.2372 |
30-10-2023 | 11.0296 | 11.234 |
27-10-2023 | 11.0252 | 11.2293 |
26-10-2023 | 11.024 | 11.228 |
25-10-2023 | 11.0231 | 11.227 |
23-10-2023 | 11.0198 | 11.2234 |
20-10-2023 | 11.0156 | 11.2189 |
19-10-2023 | 11.0158 | 11.2191 |
18-10-2023 | 11.013 | 11.2161 |
17-10-2023 | 11.0105 | 11.2135 |
16-10-2023 | 11.0099 | 11.2128 |
13-10-2023 | 11.0052 | 11.2077 |
12-10-2023 | 11.003 | 11.2053 |
11-10-2023 | 11.0012 | 11.2034 |
10-10-2023 | 10.999 | 11.2012 |
09-10-2023 | 10.9962 | 11.1982 |
06-10-2023 | 10.9932 | 11.1949 |
05-10-2023 | 10.9975 | 11.1992 |
04-10-2023 | 10.9944 | 11.1959 |
03-10-2023 | 10.9927 | 11.1941 |
29-09-2023 | 10.9866 | 11.1875 |
27-09-2023 | 10.9841 | 11.1848 |
26-09-2023 | 10.9826 | 11.1832 |
25-09-2023 | 10.9732 | 11.1735 |
22-09-2023 | 10.9685 | 11.1684 |
21-09-2023 | 10.966 | 11.1658 |
20-09-2023 | 10.9651 | 11.1648 |
18-09-2023 | 10.9619 | 11.1614 |
15-09-2023 | 10.9575 | 11.1566 |
14-09-2023 | 10.9564 | 11.1554 |
13-09-2023 | 10.9548 | 11.1537 |
12-09-2023 | 10.9525 | 11.1513 |
11-09-2023 | 10.9511 | 11.1498 |
08-09-2023 | 10.9471 | 11.1454 |
07-09-2023 | 10.9462 | 11.1444 |
06-09-2023 | 10.9443 | 11.1424 |
05-09-2023 | 10.9429 | 11.1409 |
04-09-2023 | 10.9411 | 11.139 |
01-09-2023 | 10.9362 | 11.1337 |
31-08-2023 | 10.9341 | 11.1315 |
30-08-2023 | 10.9323 | 11.1296 |
29-08-2023 | 10.931 | 11.1281 |
28-08-2023 | 10.9292 | 11.1262 |
25-08-2023 | 10.9241 | 11.1207 |
24-08-2023 | 10.9223 | 11.1188 |
23-08-2023 | 10.9201 | 11.1165 |
22-08-2023 | 10.9179 | 11.1142 |
21-08-2023 | 10.9168 | 11.113 |
18-08-2023 | 10.9121 | 11.1079 |
17-08-2023 | 10.9088 | 11.1045 |
14-08-2023 | 10.9061 | 11.1014 |
11-08-2023 | 10.9012 | 11.0962 |
10-08-2023 | 10.9008 | 11.0957 |
09-08-2023 | 10.8996 | 11.0944 |
08-08-2023 | 10.8981 | 11.0928 |
07-08-2023 | 10.8961 | 11.0907 |
04-08-2023 | 10.8916 | 11.0858 |
03-08-2023 | 10.8907 | 11.0848 |
02-08-2023 | 10.8895 | 11.0835 |
01-08-2023 | 10.8878 | 11.0817 |
31-07-2023 | 10.8856 | 11.0794 |
28-07-2023 | 10.8797 | 11.0731 |
27-07-2023 | 10.8797 | 11.073 |
26-07-2023 | 10.8778 | 11.071 |
25-07-2023 | 10.8757 | 11.0688 |
24-07-2023 | 10.8738 | 11.0668 |
21-07-2023 | 10.8694 | 11.062 |
20-07-2023 | 10.868 | 11.0604 |
19-07-2023 | 10.8661 | 11.0585 |
18-07-2023 | 10.8643 | 11.0566 |
17-07-2023 | 10.8625 | 11.0547 |
14-07-2023 | 10.8559 | 11.0476 |
13-07-2023 | 10.8537 | 11.0453 |
12-07-2023 | 10.8516 | 11.0431 |
11-07-2023 | 10.85 | 11.0414 |
10-07-2023 | 10.8477 | 11.0389 |
07-07-2023 | 10.8432 | 11.0341 |
06-07-2023 | 10.842 | 11.0328 |
05-07-2023 | 10.8411 | 11.0317 |
04-07-2023 | 10.8394 | 11.0299 |
03-07-2023 | 10.8373 | 11.0277 |
30-06-2023 | 10.8326 | 11.0226 |
28-06-2023 | 10.8293 | 11.0191 |
27-06-2023 | 10.827 | 11.0166 |
26-06-2023 | 10.8261 | 11.0156 |
23-06-2023 | 10.8216 | 11.0108 |
22-06-2023 | 10.82 | 11.0091 |
21-06-2023 | 10.8204 | 11.0094 |
20-06-2023 | 10.8193 | 11.0082 |
19-06-2023 | 10.8184 | 11.0071 |
16-06-2023 | 10.8142 | 11.0026 |
15-06-2023 | 10.8125 | 11.0008 |
14-06-2023 | 10.8113 | 10.9995 |
13-06-2023 | 10.8061 | 10.9941 |
12-06-2023 | 10.8063 | 10.9942 |
09-06-2023 | 10.8021 | 10.9896 |
08-06-2023 | 10.8053 | 10.9928 |
07-06-2023 | 10.8041 | 10.9915 |
06-06-2023 | 10.8027 | 10.99 |
05-06-2023 | 10.8008 | 10.9879 |
02-06-2023 | 10.7967 | 10.9835 |
01-06-2023 | 10.7949 | 10.9815 |
31-05-2023 | 10.791 | 10.9776 |
30-05-2023 | 10.7903 | 10.9767 |
29-05-2023 | 10.7898 | 10.9761 |
26-05-2023 | 10.7862 | 10.9722 |
25-05-2023 | 10.785 | 10.9708 |
24-05-2023 | 10.7838 | 10.9695 |
23-05-2023 | 10.7826 | 10.9682 |
22-05-2023 | 10.783 | 10.9685 |
19-05-2023 | 10.7742 | 10.9593 |
18-05-2023 | 10.7715 | 10.9564 |
17-05-2023 | 10.7691 | 10.9539 |
16-05-2023 | 10.7669 | 10.9516 |
15-05-2023 | 10.7627 | 10.9472 |
12-05-2023 | 10.7584 | 10.9426 |
11-05-2023 | 10.7562 | 10.9403 |
10-05-2023 | 10.755 | 10.9389 |
09-05-2023 | 10.756 | 10.9399 |
08-05-2023 | 10.7555 | 10.9393 |
04-05-2023 | 10.7487 | 10.9319 |
03-05-2023 | 10.7447 | 10.9278 |
02-05-2023 | 10.7416 | 10.9246 |
28-04-2023 | 10.7373 | 10.9198 |
27-04-2023 | 10.739 | 10.9214 |
26-04-2023 | 10.7368 | 10.9192 |
Fund Launch Date: 06/Feb/2015 |
Fund Category: Credit Risk Fund |
Investment Objective: The Scheme ™s investment objective is to generate capital appreciation over the long term byinvesting predominantly in corporate debt across the credit spectrum within the universe ofinvestment grade rating. To achieve this objective, the Scheme will seek to make investmentsin rated, unrated instruments and structured obligations of public and private companies.However, there is no assurance or guarantee that the investment objective of the scheme willbe achieved. |
Fund Description: An open ended debt scheme predominantly investing in AA and below rated corporatebonds (excluding AA+ rated corporate bonds) |
Fund Benchmark: CRISIL Short Term Bond Fund Index |
Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.